Sector pending / Commercial BanksUpdated 2026-05-10 22:07 UTC

FRA/SJI stock hub

FRA/SJI has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

2.6B

Frankfurt Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

FRA/SJI

In the news

Latest news · FRA/SJI

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E7.3

P25 n/aP50 n/aP75 n/a

Trailing P/E11.1

P25 n/aP50 n/aP75 n/a

ROE14

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/SJI market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

154

Groups with data

Currency

NOK

Showing 154 of 154 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Norway
Country code	DE
Employees	1,848
Employees Change	13%
Employees Change Percent	0.71
Exchange	Frankfurt Stock Exchange
Financial currency	NOK
First seen	2026-05-10
Industry	Commercial Banks
Last refreshed	2026-05-10
Market cap	EUR 2.6B
Price	EUR 17.4
Price currency	EUR
Rev Per Employee	414,220.09x
Sic	6020
Symbol	fra/SJI
Website	https://www.sparebank1.no

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	9.01%
FCF yield	31.94%
Forward P/E	7.28x
P/B ratio	0.96x
P/E ratio	11.1x
P/S ratio	3.42x
PE Ratio10 Y	8.82x
PE Ratio3 Y	9.13x
PE Ratio5 Y	9.52x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	109.37%
Gross Profit	EUR 753.5M
Net Income	EUR 232.4M
Net Income Growth	-4.61%
Net Income Growth Q	1.37%
Net Income Growth3 Y	18.39%
Net Income Growth5 Y	19.12%
Pretax Margin	60.99%
Profit Margin	47.98%
Profit Per Employee	EUR 127,777
ROA	1.78
Roa5y	1.63
ROE	14
Roe5y	13.6

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Div CAGR10	-6.02%
Div CAGR3	-54.1%
Div CAGR5	-25.02%
EPS Growth	-5.08
EPS Growth Q	1.23
EPS Growth3 Y	14.17
EPS Growth5 Y	16.56
FCF Growth	1,433.65%
FCF Growth Q	281.89%
OCF Growth	1,029.08%
OCF Growth Q	273.19%
Revenue Growth	-0.31x
Revenue Growth Q	-0.41x
Revenue Growth3 Y	14.46x
Revenue Growth5 Y	11.05x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	EUR 20.5B
Cash	EUR 583.9M
Debt	EUR 4.4B
Debt FCF	EUR 5.4
Equity	EUR 2.7B
Liabilities	EUR 17.8B
Net Cash	EUR -3.9B
Net Cash By Market Cap	EUR -150
Net Debt Equity	EUR 1.43
Net Debt FCF	EUR 4.69
Tangible Book Value	EUR 2.5B
Tangible Book Value Per Share	EUR 16.36

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	EUR -13.1B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-0%
Dividend Growth	-90.33%
Dividend Growth Years	4%
Dividend per share	EUR 1.21
Dividend Years	2
Dividend Yield	6.95%
Ex Div Date	2026-03-27
Last Dividend	EUR 1.21
Payout Ratio	45.9%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
50-day SMA	18.56
All Time High	19.3
All Time High Change	-9.84%
All Time High Date	2026-04-15
All Time Low	16.52
All Time Low Change	5.33%
All Time Low Date	2026-02-02
ATR	0.37
High	17.4
High52	19.3
High52 Date	2026-04-15
High52ch	-9.84%
Low	17.4
Low52	16.52
Low52 Date	2026-02-02
Low52ch	5.33%
Ma50ch	-6.26%
RSI	38.01
RSI Monthly	0
RSI Weekly	49.88
Sharpe ratio	1.08x
Sortino ratio	1.73
Total Return	6.94%
Tr1m	-4.34%
Tr1w	-7.94%
Tr3m	10.74%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 459.5M
Operating margin	60.99

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	133,468,242%
Net Borrowing	-523,916,451.8
Shares Insiders	0.17%
Shares Institutions	46.34%
Shares Qo Q	-3.81%
Shares Yo Y	0%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR 824.1M
Average Volume	3.65x
Bv Per Share	17.09
CAPEX	EUR -12.5M
Ch1m	-4.34
Ch1w	-7.94
Ch3m	3.39
Change	-6.45%
Change From Open	0
Close	18.6
Days Gap	-6.45
Earnings Date	2026-05-07
EPS	EUR 1.61
F Score	4
FCF	EUR 824.1M
Financing CF	-871,411,955
Fiscal Year End	December
Founded	1,823
Goodwill	104,507,060.3
Graham Number	25.3022
Graham Upside	45.41
Income Tax	EUR 90.6M
Investing CF	-15,714,817
Is Primary Listing	0
Last Earnings Date	2026-05-07
Last Report Date	2025-12-31
Lynch Fair Value	EUR 29.97
Lynch Upside	72.22
Ma20	18.75
Ma20ch	-7.2%
Net CF	-50,523,982
Next Earnings Date	2026-08-13
Open	17.4
P FCF Ratio	3.13
P OCF Ratio	3.08
Payment Date	2026-04-08
Ppne	65,650,690.7
Price Date	2026-05-08
Ptbv Ratio	1.02
Relative Volume	20x
Revenue	753,466,338x
Tax By Revenue	12.02x
Tax Rate	19.71%

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FRA/SJI dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+6.9%

$1.21 annual per share

Payout ratio

+45.9%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

-25.0%

4 consecutive years of growth

Total shareholder yield

+6.9%

Next ex-dividend date: 2026-03-27

Ownership

Who owns FRA/SJI?

Insider, institutional, and short-interest positioning.

Institutional ownership

+46.3%

Share of float held by funds and institutions

Insider ownership

+0.2%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

+0.0%

Negative means the company is buying back shares.

Technical

FRA/SJI momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

38.0

Neutral momentum band

Price vs 200-day MA

n/a

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

1.08

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/SJI

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/SJI stock rating?

fra/SJI is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/SJI analysis?

The full report lives at /stocks/fra/SJI/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/SJI?

The latest report frames fra/SJI around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/SJI page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.